Steven Radek
Henderson
Summary
Dynamic and motivated financial services professional with more than eight years of experience in consumer lending, banking, credit analysis, collections, and relationship management. Equipped with a robust work ethic, exceptional adaptability, and outstanding interpersonal skills, excelling in both independent and collaborative environments. Expertise includes consumer lending, loan assessment, credit analysis, risk evaluation, customer relationship management, regulatory compliance, and digital banking while maximizing client satisfaction. A persuasive communicator skilled in problem-solving under pressure, dedicated to helping clients make informed financial decisions through personalized banking and lending solutions. Results-oriented with a proven ability to exceed sales goals, build lasting client relationships, and consistently deliver exceptional customer experiences in fast-paced financial environments.
Overview
8
8
years of professional experience
Work History
Client Representative 3 and Loan Officer
Mountain America Credit
Henderson, NV
04.2022 - 01.2026
- Promoted from Client Representative I to Client Representative III (Online Banking) before earning a promotion to Loan Officer based on consistent sales performance, product knowledge, lending expertise, and exceptional member service.
- Assisted members with all areas of banking by handling inbound calls, resolving account concerns, and providing personalized financial solutions while maintaining full regulatory compliance.
- Originated, reviewed, processed, closed, and administered applications for personal loans, auto loans, RV loans, home equity loans, credit cards, and auto refinance loans.
- Contacted applicants through phone, email, and text to collect documentation, verify information, and ensure timely loan processing.
- Conducted outbound calls to prospective borrowers by gathering financial information, reviewing loan requests, obtaining authorization to pull credit, and submitting complete loan applications for underwriting.
- Reviewed members' overall credit profiles to identify opportunities for debt consolidation, refinancing, and additional financial solutions that reduced borrowing costs and better supported each member's long-term financial goals.
- Educated members following loan denials by explaining the reasons for the decision, discussing ways to strengthen their credit, and recommending alternative lending options to improve future approval opportunities.
- Recommended financial products including certificates of deposit (CDs), money market accounts, loan protection products, GAP coverage, vehicle protection plans, credit card protection, and other products designed to strengthen members' overall financial well-being.
- Reviewed members' accounts to identify opportunities for additional banking products and services through consultative conversations focused on each member's individual financial needs rather than transactional sales.
- Processed account-to-account transfers, assisted with Online Banking, Bill Pay, Zelle, Visa systems, digital banking access, and general account servicing while ensuring an exceptional member experience.
- Verified member identities and maintained strict compliance with federal regulations, company policies, and security procedures throughout every customer interaction.
- Collaborated closely with underwriting teams by reviewing loan documentation for completeness, submitting loan packages, and ensuring efficient lending decisions.
- Successfully handled up to 80 inbound member calls per day while balancing production goals, regulatory compliance, personalized financial solutions, and exceptional member service.
- Coached and mentored coworkers interested in the Online Banking and Lending departments by sharing operational knowledge, product expertise, and best practices that improved confidence and member service.
Client Representative
Bank of America
Las Vegas, NV
08.2021 - 12.2021
- Assisted clients with credit related issues by offering personalized services such as credit line increases, disputes, adding authorized users, and filing fraud Affidavits.
- Worked with care team to assess client needs and offer personalized solutions regarding different issues.
- Exceeded customer satisfaction by building rapport with clients, displaying empathy, and offering customized solutions to their problems.
- Got 44 out of 46 perfect surveys within first month of working.
- Was able to take up to 60 calls per day while remaining in compliance with our bank.
Account Manager
Barclays
Henderson, NV
07.2020 - 08.2021
- Awarded promoter 3 times while working for Barclays.
- Understood Reason for Delinquency to find negotiate payments and payment plans based on our customer's personable circumstance.
- Verified compliance with relevant laws, regulations and best practices related to customer account management.
- Delivered exceptional customer service on collection calls and maintained calm and professional demeanor.
- Achieved performance goals on consistent basis.
- Established relationships with customers to encourage payment of delinquent accounts.
- Called out and took inbound calls for customers that were reaching charge off and found personable resolutions.
Debt Collector
PORTFOLIO RECOVERY ASSOC
Henderson, NV
12.2017 - 11.2018
- Top Ten Collector one month out of 600 agents in office one month.
- Secured payments by following up with customers which disregarded promise to pay.
- Interviewed customers to determine reasons for delinquency, source of income and next pay date to build solutions for financial issues.
- Recorded information about status of collection efforts.
- Exceeded customer satisfaction by remaining professional and empathetic.
- Was able to withstand pressure and diverse situations while remaining calm and personable.
Education
No Degree - Business
College of Southern Nevada
Henderson, NV08.2016
High School Diploma -
Beacon Academy of Nevada
Las Vegas, NV06.2015
Skills
- Attention to detail with an Empathetic Personality
- Active Listening with Effective Communication Skills
- Pleasant and Personable and Goal Oriented
- Honest and Dependable
- Multitasker and Knowledgeable on multiple CRM systems
- Relationship Building Skills and a Team Player
- Recordkeeping and Documentation
- Relationship Building, Product Education, while Maintaining Eligibly Determination and Regulatory Disclosure Preparation
- Documentation Review and Database management
- Loan Servicing Skills and high Negotiation Techniques
- Account management with Opportunity Identification Ability
- Loan Processing and Portfolio Management and Assessment
Accomplishments
- Repeatedly commended by superiors for excellent customer service.
- Reached Top of The Mountain in Sales almost every quarter with Products per call being exceeding at 4%. Every quarter I came in at 30-50 percent Products per call.
Timeline
Client Representative 3 and Loan Officer
Mountain America Credit
04.2022 - 01.2026
Client Representative
Bank of America
08.2021 - 12.2021
Account Manager
Barclays
07.2020 - 08.2021
Debt Collector
PORTFOLIO RECOVERY ASSOC
12.2017 - 11.2018
High School Diploma -
Beacon Academy of Nevada
No Degree - Business
College of Southern Nevada